Earlier quoted context omitted.
Have you every worked in a large enterprise? I have personally tested an Excel based credit rating tool, to be rolled-out globally by a major financial institution. The fact that one should not do this, is by no means a reason not to do it.
Would be interested in hearing more about that Excel tool.
From there it went downhill: Apparently someone up the hierarchy thought "Wow, that's 80% of what we need, let's just add a little UI and ship it"
They added a UI, but not as a VBA UI as you might hope. No, they did the whole UI in different worksheets. Storing any intermediate data ... also on worksheets. Long story short, it was a mess, and a slow one for that.
Oh, did I say this was a multi-lingual application?
Production rollout was on Jan 2nd, Dec 31st around 4pm I found a bug in the other language, on the one machine which had the this language configured. I believe this was the only time I ever saw a programmer literally run down the office to that machine to debug this issue.